KR101353565B1 - Currency payment intermediation system for oversea buyer. - Google Patents

Abstract

The present invention relates to a foreign currency payment relay system for an overseas purchaser and, more specifically, to a foreign currency payment relay system which relays a payment system used by a purchaser and a seller respectively in order to perform business transaction between the overseas purchaser and the seller without restriction of time/space/language by providing a service of providing corresponding transaction for the seller promptly when the overseas purchaser pays, in order to solve the inconvenience that there is no payment system for the overseas purchaser and the seller to use commonly because the payment systems provided by each country are different with each other. The present invention can have the effect of relaying a payment system used by a purchaser and a seller respectively in order to perform business transaction between the overseas purchaser and the seller without restriction of time/space/language by providing a service of providing corresponding transaction for the seller promptly when the overseas purchaser pays, in order to solve the inconvenience that there is no payment system for the overseas purchaser and the seller to use commonly because the payment systems provided by each country are different with each other. [Reference numerals] (100) Foreign currency payment server; (110) Payment information management unit; (120) Payment organization management unit; (130) Exchange rate information management unit; (140) Protocol management unit; (200) Purchaser terminal; (300) Purchase side payment organization unit; (400) Seller terminal; (500) Seller side payment organization unit; (600) Foreign currency information notification organization server

Description

Currency payment intermediation system for Oversea buyer.}

The present invention relates to a foreign currency settlement brokerage system for foreign buyers, more specifically, to solve the inconvenience that there is no payment system that can be used in common when foreign buyers and merchants different from the payment system provided by each country , Foreign currency payments brokering payment systems used by buyers and sellers so that when overseas buyers make payments, they can provide the transaction to the seller immediately so that they can do business with the seller without time, space, or language restrictions. It is about a mediation system.

In order to sell goods to buyers living abroad, sellers must directly solve the problems of payment methods, international shipping methods, language for delivering product information, and marketing issues. Companies with sufficient manpower, capital, and technology to do so, but not run by small, medium, or small businesses (small business owners) do not have sufficient capacity to solve these problems.

For these reasons, even if a small business has high-quality goods and competitive price, it is inevitable that only small domestic companies will be able to carry out their business in the domestic market.

Currently, sellers can freely trade with buyers anywhere in the world using global payment services such as PayPal.

However, in Korea, it is not easy for small businesses to link PayPal services to their shopping malls due to lack of language and development manpower, and limited entry into overseas market due to the domestic e-commerce environment specialized in the domestic market.

Due to this reason, foreign buyers must use foreign remittance services such as foreign currency remittance and Western Union when they trade with sellers. At this time, they are inconvenient due to high fees and processing period of at least 3 days. Due to the reality that the seller is very difficult to commerce with overseas buyers.

On the other hand, based on the SNS service, shopping malls will be able to market to buyers without border limitations, and the environment and opportunity for small shopping malls that are more mobile and have their own products to do direct deals with buyers than large marketplaces such as Amazon and EBay Growing.

This phenomenon shows that small shopping malls and small application companies use SNS service to directly market, and PayPal directly deals with buyers all over the world, and Facebook enhances its own Market Platform function so that all Facebook users can trade on their Facebook pages. You can easily find it in the form of installing a plug-in to decorate a shopping mall.

Even in Korea, large web hosting companies offer the ability to expose their own shopping malls to some countries (Japan / China) for an additional fee to their subscribers, but the cost is very high and the exposed buyer group is too Due to its thinness, it is difficult for small businesses that have important maintenance costs to access easily.

In addition, domestic payment agencies (PGs) are reluctant to conduct overseas transactions due to the increase in fixed industry duties and increased risks.

none.

Therefore, the present invention has been proposed in view of the problems of the prior art as described above, and an object of the present invention is that the payment system provided for each country is different, so that foreign buyers do not have a payment system that can be used in common with merchants. In order to solve the problem, the payment system used by the buyer and the seller so that the overseas buyer can conduct the commerce without the limitation of time, space, and language by providing the service to the seller immediately when the buyer makes the payment, It is to mediate.

In order to achieve the object of the present invention,

Foreign currency settlement brokerage system for foreign buyers according to an embodiment of the present invention,

A buyer terminal 200 for selecting a specific buyer-side payment agency means 300 and foreign currency information to be settled in a list of payment institutions provided by the payment institution management means, and obtaining a settlement completion notice;

A seller terminal 400 for providing a seller's order information, a payment amount, an identification code of a specific buyer's settlement agency means selected by the buyer, and foreign currency information to be paid to the seller's settlement agency means;

The seller-side payment institution information DB which stores the order information of the buyer, the payment amount, the identification code of the specific buyer-side payment institution means selected by the seller terminal, the foreign currency information to be paid, and the identification code of the corresponding seller-side payment institution (510) )Wow,

Merchant-side payment institution conversion information database that stores the converted payment amount (foreign currency), transaction number, generated transaction code, and identification code of payment information management means that can be identified by buyer-side payment institution means provided by payment information management means. 520,

A seller side settlement agency means (500) comprising a conversion information providing unit (530) for providing the seller terminal with information stored in the seller side settlement authority conversion information database and payment success information;

Transaction information acquisition unit 111 for obtaining the buyer's order information, payment amount, the identification code of the specific buyer-side payment institution means selected by the buyer, foreign currency information to be paid, and the identification code of the corresponding seller-side payment institution;

A transaction information conversion unit 112 for converting a payment amount into a foreign currency requested by the buyer by referring to the information obtained by the transaction information acquisition unit, and generating a transaction number and a transaction code;

A payment foreign currency checking unit 113 for checking whether the converted foreign currency and the foreign currency to be provided by the buyer's payment institution means are the same;

A transaction information DB 114 for storing foreign currency information, a transaction number and a transaction code, an identification code of a buyer-side settlement agency means, and an identification code of a seller-side settlement agency processed by the transaction information conversion unit;

Query the transaction number stored in the transaction information DB, extract the identification code of the seller-side payment institution, check in the payment institution management means, and make a payment to the seller-side payment institution means in the form of a protocol that can be received by the seller-side payment institution. Payment information management means (110) comprising a payment success notification unit (115) for reporting information;

Registration information DB 121 for storing the registration information of each payment institution,

A data transmission information DB 122 storing data transmission method information of a payment institution;

A payment institution management means (120) configured to include a query information acquisition unit (123) for obtaining information to be queried by the payment information management means;

Exchange rate information management means 130 including an exchange rate information inquiry unit for continuously inquiring exchange rate information from the foreign exchange information notification institution server;

A protocol conversion unit 141 for acquiring the corresponding protocol information and converting the data into a protocol form that can be received by the payment information management means when transmitting data using a different protocol for each payment institution;

Foreign currency settlement server 100, including; protocol management means 140, consisting of an update unit 142 for querying the payment institution management means when the change occurs to update the change information by querying the change information; It is configured to solve the problem of the present invention.

Foreign currency settlement brokerage system for foreign buyers according to the present invention having the above configuration and action,

In order to solve the inconvenience that foreign buyers do not have a common payment system that can be used for commerce with sellers, we provide a service that immediately provides the transaction to the seller when foreign buyers make payments. It will provide the effect of brokering the payment system used by each buyer and seller so that foreign buyers can do business with the seller without time, space, or language restrictions.

1 is an overall configuration diagram of a foreign currency settlement brokerage system for foreign buyers according to an embodiment of the present invention.
Figure 2 is a block diagram of payment information management means of a foreign currency settlement brokerage system for foreign buyers according to an embodiment of the present invention.
Figure 3 is a block diagram of the payment institution management means of the foreign currency payment intermediation system for foreign buyers according to an embodiment of the present invention.
Figure 4 is a block diagram of the protocol management means of the foreign currency settlement brokerage system for foreign buyers according to an embodiment of the present invention.
5 is a block diagram of a seller-side payment agency means of a foreign currency payment intermediation system for foreign buyers according to an embodiment of the present invention.

Foreign currency settlement brokerage system for foreign buyers according to an embodiment of the present invention for achieving the above object,

A buyer terminal 200 for selecting a specific buyer-side payment agency means 300 and foreign currency information to be settled in a list of payment institutions provided by the payment institution management means, and obtaining a settlement completion notice;

A seller terminal 400 for providing a seller's order information, a payment amount, an identification code of a specific buyer's settlement agency means selected by the buyer, and foreign currency information to be paid to the seller's settlement agency means;

The seller-side payment institution information DB which stores the order information of the buyer, the payment amount, the identification code of the specific buyer-side payment institution means selected by the seller terminal, the foreign currency information to be paid, and the identification code of the corresponding seller-side payment institution (510) )Wow,

Merchant-side payment institution conversion information database that stores the converted payment amount (foreign currency), transaction number, generated transaction code, and identification code of payment information management means that can be identified by buyer-side payment institution means provided by payment information management means. 520,

A seller side settlement agency means (500) comprising a conversion information providing unit (530) for providing the seller terminal with information stored in the seller side settlement authority conversion information database and payment success information;

Transaction information acquisition unit 111 for obtaining the buyer's order information, payment amount, the identification code of the specific buyer-side payment institution means selected by the buyer, foreign currency information to be paid, and the identification code of the corresponding seller-side payment institution;

A transaction information conversion unit 112 for converting a payment amount into a foreign currency requested by the buyer by referring to the information obtained by the transaction information acquisition unit, and generating a transaction number and a transaction code;

A payment foreign currency checking unit 113 for checking whether the converted foreign currency and the foreign currency to be provided by the buyer's payment institution means are the same;

A transaction information DB 114 for storing foreign currency information, a transaction number and a transaction code, an identification code of a buyer-side settlement agency means, and an identification code of a seller-side settlement agency processed by the transaction information conversion unit;

Query the transaction number stored in the transaction information DB, extract the identification code of the seller-side payment institution, check in the payment institution management means, and make a payment to the seller-side payment institution means in the form of a protocol that can be received by the seller-side payment institution. Payment information management means (110) comprising a payment success notification unit (115) for reporting information;

Registration information DB 121 for storing the registration information of each payment institution,

A data transmission information DB 122 storing data transmission method information of a payment institution;

A payment institution management means (120) configured to include a query information acquisition unit (123) for obtaining information to be queried by the payment information management means;

Exchange rate information management means 130 including an exchange rate information inquiry unit for continuously inquiring exchange rate information from the foreign exchange information notification institution server;

A protocol conversion unit 141 for acquiring the corresponding protocol information and converting the data into a protocol form that can be received by the payment information management means when transmitting data using a different protocol for each payment institution;

Foreign currency settlement server 100, including; protocol management means 140, consisting of an update unit 142 for querying the payment institution management means when the change occurs to update the change information by querying the change information; Characterized in that the configuration.

At this time, the foreign currency payment server,

And a payment time management means for checking whether the transaction has been processed within the payment time limit with reference to the transaction number stored in the payment information management means.

At this time, the foreign currency payment server,

When the foreign currency converted by referring to the transaction code stored in the payment information management means and the foreign currency to be paid by the buyer's payment institution means are not the same, and when the transaction is processed after the time limit by checking the payment time limit information And failure processing means for processing as a failure when the transaction information of the transaction code is not registered or settled.

At this time, the failure processing means,

The foreign currency converted from the transaction code stored in the payment information management means and the foreign currency to be provided by the buyer's payment institution means are not identical, and the transaction is processed after the time limit by checking the payment time limit information. A failure processing unit for determining whether the transaction information is unregistered or unable to pay, if it is not the same, is processed after a time limit, or fails to be settled;

An automatic refund processing unit for notifying the buyer's settlement agency means of transaction failure information and automatically processing a refund;

It is characterized in that it comprises a payment failure notification unit for notifying the payment failure information to the seller-side payment agency means in the form of a protocol that can be received by the seller-side payment institution.

Hereinafter, it will be described in detail through an embodiment of the foreign currency settlement brokerage system for foreign buyers according to the present invention.

1 is an overall configuration diagram of a foreign currency settlement brokerage system for foreign buyers according to an embodiment of the present invention.

As shown in Figure 1, the foreign currency settlement brokerage system for foreign buyers,

A buyer terminal 200 for selecting a specific buyer-side payment agency means 300 and foreign currency information to be settled in a list of payment institutions provided by the payment institution management means, and obtaining a settlement completion notice;

A seller terminal 400 for providing a seller's order information, a payment amount, an identification code of a specific buyer's settlement agency means selected by the buyer, and foreign currency information to be paid to the seller's settlement agency means;

It stores the buyer's order information provided by the seller terminal, payment amount, the identification code of the specific buyer-side payment institution means selected by the buyer, foreign currency information to be paid, and the identification code of the corresponding seller-side payment institution. Seller side settlement agency means 500 and;

Payment information management means 110 for managing payment information,

Payment institution management means 120 for managing the registration information of each payment institution,

Exchange rate information management means (130) comprising an exchange rate information inquiry unit for continuously inquiring exchange rate information from the foreign exchange information notification institution server (600),

A foreign currency settlement server 100 comprising protocol management means 140 for acquiring the corresponding protocol information and converting the protocol information into a protocol form that can be received by the payment information management means when data is transmitted by a different protocol for each payment institution; It will be configured to include.

That is, the buyer terminal and the buyer-side settlement agency means are located in a specific country A, and the seller terminal and the seller-side settlement agency means are located in a specific country B, so that payment methods, overseas shipping means, and languages for delivering product information are different. In the middle, a foreign currency settlement server was established to act on behalf of this.

An object of the present invention by the above configuration is to provide a foreign exchange settlement brokerage system for easily performing a transaction when a buyer and a seller use different payment systems in a state belonging to a different country.

Figure 2 is a block diagram of payment information management means of a foreign currency settlement brokerage system for foreign buyers according to an embodiment of the present invention.

As shown in Figure 2, the payment information management means 110,

Transaction information acquisition unit 111 for obtaining the buyer's order information, payment amount, the identification code of the specific buyer-side payment institution means selected by the buyer, foreign currency information to be paid, and the identification code of the corresponding seller-side payment institution;

A transaction information conversion unit 112 for converting a payment amount into a foreign currency requested by the buyer by referring to the information obtained by the transaction information acquisition unit, and generating a transaction number and a transaction code;

A payment foreign currency checking unit 113 for checking whether the converted foreign currency and the foreign currency to be provided by the buyer's payment institution means are the same;

A transaction information DB 114 for storing foreign currency information, a transaction number and a transaction code, an identification code of a buyer-side settlement agency means, and an identification code of a seller-side settlement agency processed by the transaction information conversion unit;

Query the transaction number stored in the transaction information DB, extract the identification code of the seller-side payment institution, check in the payment institution management means, and make a payment to the seller-side payment institution means in the form of a protocol that can be received by the seller-side payment institution. The payment success notification unit 115 to notify the information is configured to include.

The transaction information acquisition unit 111 acquires the purchaser's order information, the payment amount, the identification code of the specific buyer-side payment agency means selected by the buyer, foreign currency information to be paid, and the identification code of the corresponding seller-side payment institution.

In addition, the transaction information converting unit 112 converts the payment amount into a foreign currency requested by the buyer with reference to the information obtained from the transaction information obtaining unit, and generates a transaction number and a transaction code.

In addition, the payment foreign currency confirming unit 113 checks whether the converted foreign currency is the same as the foreign currency to be provided by the buyer-side payment agency means.

In other words, the purpose of the present invention is to confirm again that the types of foreign currency for trading are the same.

In addition, the transaction information DB 114 stores the foreign currency information, the transaction number and transaction code, the identification code of the buyer-side settlement agency means, the identification code of the seller-side settlement agency processed by the transaction information conversion unit.

Therefore, information is transmitted and received through the identification code and the transaction number and transaction code that can be identified.

The payment success notification unit 115 retrieves the transaction number stored in the transaction information DB, extracts the identification code of the seller-side payment institution, checks in the payment institution management means, and corresponds to the protocol form that can be received by the seller-side payment institution. The settlement success information is notified to the seller's settlement agency means.

If the protocol types are different, the transaction itself cannot be performed because they are not interworked with each other.

Figure 3 is a block diagram of the payment institution management means of the foreign currency payment intermediation system for foreign buyers according to an embodiment of the present invention.

As shown in Figure 3, the payment institution management means 120,

Registration information DB 121 for storing the registration information of each payment institution,

A data transmission information DB 122 storing data transmission method information of a payment institution;

It is configured to include a query information acquisition unit 123 for obtaining information to query the payment information management means.

Figure 4 is a block diagram of the protocol management means of the foreign currency settlement brokerage system for foreign buyers according to an embodiment of the present invention.

As shown in Figure 4, the protocol management means 140,

A protocol conversion unit 141 for acquiring the corresponding protocol information and converting the data into a protocol form that can be received by the payment information management means when transmitting data using a different protocol for each payment institution;

When the change occurs in the payment institution management means is configured with an update unit 142 for querying the change information to update the change.

The protocol conversion unit receives the full message sent by the purchaser belonging to the country A at the time of payment by the buyer A payment institution means, analyzes the contents as standardized information by the foreign currency settlement server, and sends the generated transaction information to the country B. If you belong to the transaction information will be converted into a specialized form that can be received in country B.

At this time, the protocol conversion unit is to query the information in the updater to receive, analyze, generate, send the full text.

The update unit adds and deletes a payment institution belonging to each country, manages each payment institution interworking method, communication method, management, and professional configuration management that each payment institution can receive. It manages all the information and manages it so that the protocol converter knows when the information held by the updater is modified.

5 is a block diagram of a seller-side payment agency means of a foreign currency payment intermediation system for foreign buyers according to an embodiment of the present invention.

As shown in Figure 5, the seller-side payment agency means 500,

The seller-side payment institution information DB which stores the order information of the buyer, the payment amount, the identification code of the specific buyer-side payment institution means selected by the seller terminal, the foreign currency information to be paid, and the identification code of the corresponding seller-side payment institution (510) )Wow,

Merchant-side payment institution conversion information database that stores the converted payment amount (foreign currency), transaction number, generated transaction code, and identification code of payment information management means that can be identified by buyer-side payment institution means provided by payment information management means. 520,

It includes a conversion information providing unit 530 to provide the seller terminal information and payment success information stored in the seller-side payment institution conversion information DB.

All means described in the present invention generally constitute a control unit for controlling the flow of data.

The following will describe the overall payment flow in detail.

The buyer resides in country A, the seller operates a shopping mall in country B, the payment institution A belongs to country A, and the payment institution B belongs to country B.

In addition, the shopping mall of the seller is linked with the payment institution B in advance to send and receive electronic information, payment institutions A and B will be described under the whole linked with the foreign currency payment server 100.

The buyer accesses a shopping mall operated by the seller's seller terminal using a buyer terminal and selects a product, and the seller's shopping mall asks the buyer to select a payment method.

At this time, the screen is displayed on the terminal screen of the buyer using the Client program of the payment institution B linked with the shopping mall in advance.

In this case, when the buyer selects a payment means operated by the foreign currency settlement server of the present invention, the buyer provides the buyer with a list of payment institutions linked to the foreign currency settlement server of the present invention.

That is, the payment information management means obtains payment institution list information stored in the payment institution management means and provides it to the buyer terminal.

At this time, the buyer terminal selects the payment institution A, and simultaneously selects the foreign currency to settle.

Thereafter, the shopping mall of the seller provides the payment institution B with the purchaser's order information, payment amount (KRW), shopping mall identification code and transaction number, payment institution A identification code, and foreign currency information to be paid.

Thereafter, the payment institution B, which receives the information from the seller, registers the information in the seller-side payment institution information DB 510, and provides the foreign currency settlement server with an identification code for identifying the payment institution B.

At this time, the foreign currency settlement server converts the payment amount (KRW) of the received information into the foreign currency selected by the buyer in the exchange rate information management means to register in the transaction information DB.

After that, the payment means to be used by the buyer is identified as payment institution A, and the registration information of the payment institution A registered in the payment institution management means is inquired.

After that, the transaction code of the transaction is generated and then registered in the transaction information DB.

The foreign currency settlement server may further include a payment time management means (not shown) for checking whether the transaction has been processed within a payment time limit by referring to the transaction number stored in the payment information management means. Set a payment time limit based on the registered time.

Subsequently, the foreign currency settlement server converts the payment amount (foreign currency), transaction number, generated transaction code, payment time limit, and identification code information of the foreign currency settlement server identified by the payment institution A to the payment institution B. To be provided.

In this case, the payment institution B registers the received information in the seller side payment institution conversion information DB 520 and then provides the registered information to the seller terminal operating the shopping mall.

The payment institution B is a seller side payment agency means, the payment agency A means a buyer side payment agency means, and the shopping mall means a seller terminal.

 Thereafter, the seller terminal provides the converted payment amount, payment time limit, and transaction code to the buyer terminal screen to confirm the purchaser, and guide the user to use the selected payment method.

The usage method using the payment means generally means a usage method guided by the bank for payment.

After that, the purchaser enters the confirmed payment amount, the transaction code, and the identification code of the foreign currency settlement server by moving to the payment institution A identified from the shopping mall selected by the user, and provides the information to the payment institution A, and performs the payment.

Thereafter, the payment institution A confirms the transaction code and the identification code of the foreign currency settlement server, and then transfers the result and the transaction code information to the foreign currency settlement server when the purchaser makes a successful payment.

The foreign currency settlement server receiving the information checks the transaction code and retrieves the relevant information from the transaction information device, checks whether the payment amount registered in the transaction information DB and the payment amount received from the payment institution A are the same, and then applies the same. After the transaction of the transaction is processed successfully, it is registered in the transaction information DB. After checking the payment time limit information, confirming whether the transaction has been processed after the time limit, the registered transaction number is inquired, and the payment institution information ( The payment institution B) is checked to determine which transaction is requested by the payment institution.

After confirmation, the information about the payment institution B is confirmed by the payment institution management means, and the payment success information is provided to the payment institution B as a data transmission method that the payment institution B can receive.

At this time, the payment institution B checks the transaction number, looks up the transaction information in the transaction information DB, checks which seller requested the transaction, and treats the transaction as a success and registers the transaction information in the transaction information DB. Payment success information will be delivered.

Afterwards, the seller terminal receiving the information processes the transaction as a success and delivers the goods to the buyer.

Meanwhile, the foreign currency settlement server of the present invention refers to the transaction code stored in the payment information management means, and checks and restricts the payment time limit information when the foreign currency to be provided by the buyer's payment institution means is not the same. In the case of a transaction processed after a time, a failure processing means (not shown) for processing as a failure when the transaction information of the transaction code is not registered or cannot be settled;

That is, the purchaser registers the information with the payment institution A by inputting the converted payment amount, the transaction code, and the identification code of the foreign currency settlement server, which are moved to the payment institution A confirmed from the shopping mall selected by the buyer.

At this time, the failure processing unit (not shown) of the failure processing means refers to the transaction code stored in the payment information management means and whether the foreign currency to be provided by the buyer's settlement agency means is not the same, payment time limit information By checking, it is determined whether the transaction is processed after the time limit, or the transaction information of the transaction code is not registered or cannot be settled.

After that, the automatic refund processing unit (not shown) notifies the buyer's settlement agency means of the transaction failure information and automatically processes the refund.

At this time, the foreign currency settlement server confirms the requesting payment institution and checks the information about the confirmed payment institution in the payment institution management means, and the seller in the form of a protocol that the payment institution B can receive by the payment failure notification unit (not shown). Payment failure information is notified to the payment institution means (payment authority B).

At this time, the payment institution B checks the transaction number, looks up the transaction information in the seller-side payment institution conversion information DB, checks which transaction is requested by the seller, and treats the transaction as a failure, thereby converting the seller-side payment institution conversion information DB It will be registered in, and will provide payment failure information to the seller terminal.

After receiving the information, the seller treats the transaction as failure and provides the failure notification information to the buyer terminal.

It will be appreciated by those skilled in the art that the present invention may be embodied in other specific forms without departing from the spirit or essential characteristics thereof. Therefore, the above-described embodiments are to be understood as illustrative in all respects and not restrictive.

The scope of the present invention is defined by the appended claims rather than the detailed description and all changes or modifications derived from the meaning and scope of the claims and their equivalents are to be construed as being included within the scope of the present invention do.

100: foreign currency settlement server
110: payment information management means
120: payment institution management means
130: exchange rate information management means
140: protocol management means
200: Buyer terminal
300: buyer's settlement agency means
400: seller terminal
500: seller's settlement agency means
600: Foreign exchange information notification institution server

Claims (4)

In foreign currency settlement brokerage system for overseas buyers,
A buyer terminal 200 for selecting a specific buyer-side payment institution server 300 and foreign currency information to be settled in a list of payment institutions provided by the payment institution management means, and obtaining a settlement completion notice;
A seller terminal 400 for providing a seller's order information, a payment amount, an identification code of a specific buyer's payment institution server selected by the buyer, and foreign currency information to be paid to the seller's payment institution server;
Seller's payment institution information DB that stores the buyer's order information, payment amount provided by the seller terminal, the identification code of the specific buyer's payment institution server selected by the buyer, foreign currency information to be paid, and the identification code of the seller's payment institution (510) )Wow,
Merchant-side payment institution conversion information database that stores the converted payment amount (foreign currency), transaction number, generated transaction code, and identification code of payment information management means that can be identified by the buyer-side payment institution server provided by the payment information management means. 520,
A seller side settlement agency server 500 including a conversion information providing unit 530 for providing the seller terminal with information stored in the seller side settlement authority conversion information DB and payment success information;
Transaction information acquisition unit 111 for obtaining the buyer's order information, payment amount, the identification code of the specific buyer-side payment institution server selected by the buyer, foreign currency information to be paid, and the identification code of the corresponding seller-side payment institution;
A transaction information conversion unit 112 for converting a payment amount into a foreign currency requested by the buyer by referring to the information obtained by the transaction information acquisition unit, and generating a transaction number and a transaction code;
A payment foreign currency verification unit 113 for confirming whether the converted foreign currency and the foreign currency to be provided by the buyer's payment institution server are the same;
A transaction information DB 114 for storing foreign currency information, a transaction number and a transaction code, an identification code of a buyer-side settlement agency server, and an identification code of a seller-side settlement agency processed by the transaction information conversion unit;
Query the transaction number stored in the transaction information DB, extract the identification code of the seller-side payment institution, check in the payment institution management means, and receive payment from the seller-side payment institution server in the form of a protocol. Payment information management means (110) comprising a payment success notification unit (115) for reporting information;
Registration information DB 121 for storing the registration information of each payment institution,
A data transmission information DB 122 storing data transmission method information of a payment institution;
A payment institution management means (120) configured to include a query information acquisition unit (123) for obtaining information to be queried by the payment information management means;
Exchange rate information management means 130 including an exchange rate information inquiry unit for continuously inquiring exchange rate information from the foreign exchange information notification institution server;
A protocol conversion unit 141 for acquiring the corresponding protocol information and converting the data into a protocol form that can be received by the payment information management means when transmitting data using a different protocol for each payment institution;
Foreign currency settlement server 100, including; protocol management means 140, consisting of an update unit 142 for querying the payment institution management means when the change occurs to update the change information by querying the change information; Foreign currency settlement brokerage system for overseas buyers, characterized in that configured.
The method of claim 1,
The foreign currency payment server,
And a payment time management means for confirming whether the transaction has been processed within the payment time limit with reference to the transaction number stored in the payment information management means.
The method of claim 1,
The foreign currency payment server,
When the foreign currency converted by referring to the transaction code stored in the payment information management means and the foreign currency to be paid by the buyer's payment institution server are not the same, when the transaction is processed after checking the payment time limit information And a failure handling means for processing as a failure when transaction information of a transaction code is not registered.
The method of claim 3, wherein
The failure processing means,
The foreign currency converted from the transaction code stored in the payment information management means is not identical to the foreign currency to be provided by the buyer's payment institution server, and the transaction is processed after the time limit by checking the payment time limit information. A failure processing unit for determining whether the transaction information is unregistered or not processed after the time limit, or if the transaction information is unregistered, as a failure;
An automatic refund processing unit for notifying the buyer's payment institution server of the transaction failure information and automatically processing a refund;
The foreign currency payment intermediation system for foreign buyers, characterized in that it comprises a payment failure notification unit for notifying the payment failure information to the seller-side payment institution server in the form of a protocol that can be received by the seller-side payment institution.

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